3 Starboard Court ## 6, Miramar Beach, FL 32550
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
- No CDD assessment on record
- Built 1994 · 32 yrs
- 1-car garage
- 17 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 1994BuiltPer public record
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $18,494/mo 79%
- Taxes $3,194/mo 14%
- Insurance $1,776/mo 8%
- HOA $50/mo 0%
$23,514/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
78/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
14% of homes in SHIPWATCH are owner-occupied. An estimated 86% are non-owner-occupied, including 34% held in a company or trust and 61% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 72 homes matched. Community-level context.
What’s unique here: one of only 1 active listings in SHIPWATCH, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated July 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
'Surfin Sea', the property at 3 Starboard Ct, Miramar Beach, FL, is a remarkable and luxurious residence that spans 3,026 square feet and comprises 5 bedrooms and 5 bathrooms. The home is not only spacious but also offers stunning views of the Gulf. It is beautifully situated within a quintessential coastal picket fence, framing its lot.
The opulent gulf-front home extends over three vertical levels, providing an inviting atmosphere of luxury and ease. The opulent gulf-front home extends over three vertical levels, providing an inviting atmosphere of luxury and ease. It also features a private pool.
Thoughtfully designed terraces and balconies overlook the serene white sand dunes and the emerald waters, enhancing the overall appeal of this property. Beautifully nestled within the gates of a quintessential coastal picket fence framing its spacious lot, this opulent gulf-front home spans three vertical levels and invites guests into luxury and ease with over 3,000 square feet, five bedrooms, five baths, and a private pool. Thoughtfully designed terraces and balconies overlook the white sand dunes and emerald waters with the view becoming more panoramic with each ascending level.
The first floor encompasses the main living area with a feature fireplace and light, natural wood flooring flowing seamlessly out onto the covered screened porch. Find an indulgent spot to sip coffee at the back deck counter and watch the sunrise state-of-the-art café kitchen makes entertaining easy with new stainless appliances, a gas range, plenty of prep space on the large kitchen island, a breakfast nook, and a formal dining area. The second-floor primary bedroom oasis features access to spectacular views from the private balcony and includes an ensuite with twin vanities, large shower, and separate jetted tub.
The third floor is a thoughtfully designed main suite retreat with an exclusive private balcony and spa bathroom with shower, double vanities, and another jetted tub. Guests are welcomed with a choice of the bunk room area or private space in the detached carriage house above one of the two garage spaces. Even the garages are planned with enjoyment in mind with one designated for parking (one car) and the other dedicated to an inside play space.
The one-bedroom guest house sleeps four and includes a kitchenette, full bath and living area with sleeper sofa. The property includes a 20'x8' courtyard pool and an outside grilling station with even more Gulf views. This idyllic beach house is in the gated community of Shipwatch and has 400 feet of private beachfront along Scenic 98.
Adventurers will enjoy the ideal location for walking or biking along Scenic 98 to restaurants, the outlet mall, and Grand Boulevard. 3 Starboard Court is the ideal floor plan for a single family home, second home or vacation rental with sleeping space for up to 22 guests
Description provided by Realty Hub and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Similar homes for sale near SHIPWATCH
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS. Run --online for a live reading.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
Recent sales activity in SHIPWATCH
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the SHIPWATCH neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on SHIPWATCH
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Walton County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
- Confirm roof age and condition during inspection.
- Confirm HVAC age and condition during inspection.
- Request current HOA documents before relying on dues or restrictions.
- Obtain an insurance quote for this specific property.
- Confirm school zoning directly with the district.
- Order a survey to confirm lot boundaries.
- Review permit history with the county.
- Confirm whether flood insurance is required for this parcel.
- Confirm square footage and room dimensions independently.
- Ask the county how property taxes may change after a sale.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | realMLS, refreshed twice daily (last: July 26, 2026) |
| Community market stats | realMLS closed sales, as of July 25, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 3 Starboard Court ## 6 in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
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Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
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MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Emerald Coast Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Emerald Coast Association of REALTORS®. © 2026 Emerald Coast Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.